[LUCKY DRAW]
Stand a chance to win A Pair of Cat 1 Tickets to Jay Chou Carnival World Tour 2024 - Singapore (worth S$796) when you apply & submit the MoneySmart Claim Form (without the Unique Redemption Code first*) by 4 Sept 2024! No min spend required!
[MONEYSMART EXCLUSIVE GIFT]
Earn 1,890 SmartPoints or S$200 Cash via PayNow when you apply and spend a min. of S$500 in qualifying spends within 30 days from card approval date. T&Cs apply.
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.2 inch iPad Wi-Fi (9th Generation) 64GB at only S$315 on top of your earned SmartPoints.
Promotion is valid from 15-July-2024 to 04-August-2024
MoneySmart x OCBC Jay Chou Lucky Draw is applicable for New-to card holders only. No min spend required!
MoneySmart Exclusive Gift is applicable for New-to card holders only. Customers need to spend a min. of S$500 in Qualifying Spends within 30 days from card approval date.
Customers need to apply through MoneySmart to be eligible,
To participate in the MoneySmart x OCBC Jay Chou Lucky Draw, you need to submit the MoneySmart Claim Form (without the Unique Redemption Code first*) by 4 Sept 2024.
*To be eligible for the MoneySmart Exclusive Gift, you need to update your Claim Form with your Unique Redemption Code from OCBC when you receive it by the date falling 4 calendar months after making the minimum spend.
Enter your Unique Redemption Code within 4 weeks from receiving it from OCBC
To edit the Claim Form:
- Log into your MoneySmart Account
- Head into your Dashboard, and look for the Claims History tab (https://www.moneysmart.sg/dashboard/claims/history)
- Look for your OCBC Claim Form
- Click on the “Edit” button
- Enter your Unique Redemption Code from OCBC
- Submit your Claim Form
Receive either S$200 Cash via PayNow or 1,890 SmartPoints when you apply and spend a min. of S$500 in Qualifying Spends within 30 calendar days from the Card’s approval date to qualify for your Rewards.
Use 1,890 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
With 1,890 SmartPoints* earned, you can redeem:
- Apple iPad (9th Gen) | Top up $315 more only
- Apple AirPods Pro (2nd Gen) | Top up $214 more only
- Ultimate Ears BOOM 3 | Redeem in full
- Logitech MX Master 3 Mouse | Redeem in full
- OR many other options available at our Rewards Store today.
- For more information regarding SmartPoints, refer to our FAQ here.
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 8 -10 weeks after the submission of your MoneySmart Claim Form with the Unique Redemption Code.
MoneySmart exclusive gifts and rewards do not stack with external or third party promotions unless otherwise stipulated. Kindly refer to T&Cs for details
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
At the moment, the OCBC 365 Credit Card offers the lowest interest rate as compared to the Citi Cash Back + Card and SCB Smart Credit Card, unless you qualify for the lowest available interest rate of 23.90% offered by Standard Chartered Smart Credit Card.
In terms of annual fee, you’ll definitely save more with the Standard Chartered Smart Credit Card as compared to the OCBC 365 Credit Card and Citi Cash Back + Card, as you wouldn’t have to pay any annual fees for it.
When it comes to cash back benefits, the OCBC 365 Credit Card takes the cake with the most attractive perks as compared to the Standard Chartered Smart Credit Card and Citi Cash Back + Card, offering the highest cash back returns in terms of 5% cashback on everyday dining (including local, overseas and online food delivery) and 6% cashback on fuel spend at all petrol service stations locally and overseas.
However, the OCBC 365 Credit Card requires a minimum spend of $800 per month, with cashback capped at S$80 per month or a minimum spend of $1600 per month to qualify for $160 cashback per month, unlike the Standard Chartered Smart Credit Card and Citi Cash Back + Card which do not have minimum spend requirements.
Another great thing about the OCBC 365 Credit Card is the savings on fuel Up to 22.92% fuel savings at Caltex, up to 20.2% fuel savings at Esso
Interest rate: 27.78%
Annual fee:$196.20 (incl. 9% GST) for Year 3 onwards (annual fee waiver available for first two years)
Minimum annual income:
Interest rate: 27.90%
Annual fee:$196.20 (incl. 9% GST) for Year 1 (First year waiver available)
Minimum annual income:
Interest rate: 23.9% to 29.9%
Annual fee:None
Minimum annual income:
Here are 3 simple steps to apply for the OCBC 365 Credit Card
You may begin your application by clicking on our OCBC 365 Credit Card application link. When you choose to apply online or through the OCBC Mobile Banking app and via SingPass MyInfo, OCBC will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
You’ll need to provide all the necessary documentation in order for OCBC to approve your credit card application. This list of documents include:
You’ll be able to activate your OCBC 365 Credit Card instantly through the OCBC Mobile Banking app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cash back rewards with your OCBC Mobile Banking app!